Abstract

ABSTRACT
The existence of Koperasi Pegawai Republik Indonesia (KPRI) Karya Makmur
in Bawen Region among society specially for civil servants who made profession as
education staff of elementary school in Bawen region has importance role to
decrease economic problems thatfaced by its members, in giving loan tofulfill their
needs or to increase their business in order to increase their quality of life of its
members The credit channeling in KPRI Karya Makmur has increased in credit In
period of January 2004 to December 2008, eventhought in 2005 the members of
KPRI Karya Makmur is constant.
The purpose of this research is to analyze the factors that influence channeling
credit in civil servant cooperative on KPRI Karya Makmur in Bawen Region. This
reseach uses some variable to assess the influence of credit channeling in KPRI
Karya Makmur such as saving ofmembers (SA), return ofmember's loan (PP), and
interest rate ofbank (R). This reseach use time series data from monthly Finansial
report ofKPRI Karya Makmur, during the period 2004-2008.In order to specify the
explanatory variables, we uses Multiple Linear Regression with Ordinary Least
Square (OLS) method.
From this research shows that member's saving has positive and significant
result in credit channeling in cooperative. The return of loan member also has
positive and significant result in credit channeling in cooperative. More over there
are also evidence that interest rate has negative and significant result in credit
channeling. In this reseach also evidence that coefficient ofdetermination is 0.9741
that show the changes in independent variables can explain the dependent variable as
97.41 percent, while the 2.6 percent can explained by others variables that are not
this model.
Keywords : cooperative, credit channeling, saving ofmembers, return of
member's loan, interest rate ofbank.